With lower interest rates, it is crucial that advisors keep an eye on the condition of in-force policies. Life insurance is a key component of any estate plan, but chances are, your client’s life has changed since he purchased it — and so have his financial needs. Given the shifting economic realities of the past … Continue reading
Insurance News – AG 38: The Death Knell For UL Guarantees?.
Potential buyers of life insurance must make many decisions when selecting policies appropriate for them. Currently complicated outside factors are influencing their thinking and may be affecting purchases. These factors are low interest rates, the pending reduction of the estate/gift tax exemption, and the reserve requirements in Actuarial Guideline 38 (AG 38) and Europe’s Solvency … Continue reading
Insurance News – Genworth: Life Insurance Products Designed To Shift Portfolio Mix, Adjust For Low Interest Rates
Insurance News – Genworth: Life Insurance Products Designed To Shift Portfolio Mix, Adjust For Low Interest Rates.